Generali Motor third-party liability (Mtpl Standard)
Underwritten by Дженерали Застраховане АД · Bulgaria
motor third-party liability insurance from Generali for the Bulgaria market, with online purchase and 24/7 assistance.
Last verified Sep 10, 2026Sources
Unique selling points
Preferential pricing and special offers for experienced drivers over 40 years of age.
No-claims discount on renewal for private passenger cars owned by individuals with a claims-free history.
Fully online policy issuance and renewal via the Generali Online portal and My Generali app, with personal courier delivery of the physical policy nationwide within 2 working days.
SMS payment reminders before each instalment due date to help prevent coverage gaps from missed payments.
Discount on 'Auto Assistance' or Casco products when combined with an MTPL policy from Generali.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Legal Costs and Interest
Conditional
Interest and court costs are excluded from MTPL cover except in the cases under Art. 429(2) and (5) of the Insurance Code: the insurer pays, within the liability limit, default interest the insured owes the injured party and court costs awarded against the insured when the insurer was joined to the case.
Section: чл. 494, т. 10 КЗ > Изключения от покритието
10. лихви и съдебни разноски освен в случаите по чл. 429, ал. 2 и 5 при спазване на условията на чл. 429, ал. 3;
Green Card Certificate
Covered
A Green Card certificate is issued together with the MTPL policy at no additional charge, in line with the general rule applicable to Bulgarian MTPL policies, serving as proof of valid civil liability cover in Green Card system countries.
се издава сертификат "Зелена карта" без допълнителна такса или друго плащане
Roadside Assistance
Optional
Roadside assistance is not part of the base MTPL cover. Generali sells a separate 'Auto Assistance for Bulgaria' product whose Mega+ and Lux+ packages are specifically available to customers who already hold an MTPL or Casco policy with Generali.
Клиентите, които имат сключена застраховка Гражданска отговорност на автомобилиста или Каско на МПС могат да избират от пакетите Мега+ и Лукс+.
Driver Accident Cover
Excluded
Damages suffered by the at-fault driver of the vehicle are explicitly excluded from the MTPL policy.
Section: Има ли ограничения на покритието?
Вреди, претърпени от виновния водач на моторното превозно средство;
Passenger Accident Cover
Not established from the reviewed documents
The IPID does not establish a position on fixed-benefit accident cover for passengers; it only lists exclusions for the at-fault driver and family members' property. Separate 'Accident of Persons in Motor Vehicles' products exist in the market for this purpose.
Section: Какво не покрива застраховката?
Key conditions
Driver restrictions
The policy covers the liability of physical and legal persons for material and non-material damages caused to third parties in connection with the ownership and/or use of motor vehicles. Damages suffered by the at-fault driver are excluded.
SourcePage 1Section: Какво покрива застраховката?
Отговорността на физически и юридически лица за причинените от тях на трети лица имуществени и неимуществени вреди, свързани с притежаването и/или използването на моторни превозни средства.
Claim notification deadline
Under Art. 430(1) of the Insurance Code, the insured must notify their MTPL insurer of the occurrence of the insured event within 7 working days.
SourceClause чл. 430, ал. 1Застрахованият е длъжен във връзка с неговата гражданска отговорност в срок до 7 работни дни от:
Bonus-malus rules
A bonus-malus system is legislated under Art. 490a of the Insurance Code: for the purpose of setting the MTPL premium, the insurer adopts and applies rules for adjusting it based on claims filed over a given period.
SourceClause чл. 490азастрахователят приема и прилага правила за нейното коригиране въз основа на предявените претенции за определен период от време.
Territorial scope
Republic of Bulgaria, all EU Member States, all EEA states, Andorra, Serbia, and Switzerland.
Where to buy
Listed alphabetically by seller. The order does not depend on whether Boleron earns anything from a sale.
Documents
Policy specifics
Green Card Certificate
International motor insurance certificate issued free of charge for travel in Green Card system countries
SourceMandatory Liability Limits
Minimum liability coverage mandated by Art. 492 of the Bulgarian Insurance Code, as amended and in force since 01.08.2025.
SourceClause Чл. 492Online Purchase and Policy Delivery
Fully online policy issuance through Generali Online portal and My Generali app with free physical document delivery
SourceStart and End of Cover
Conditions under which the insurance cover period begins, per the product's own IPID.
SourceSources
- gpk.caselaw.bghttps://gpk.caselaw.bg/legislation/kz/(opens in a new tab)
- ciela.nethttps://www.ciela.net/svobodna-zona-darjaven-vestnik/document/2137252643/issue/7421/zakon-za-izmenenie-i-dopalnenie-na-kodeksa-za-zastrahovaneto-(dv-br-102-ot-2015-g)(opens in a new tab)
- economic.bghttps://www.economic.bg/bg/a/view/sistemata-bonus-malus-pri-grajdanska-otgovornost-e-obnarodvana(opens in a new tab)
- generali.bghttps://www.generali.bg/individuals/products/car-insurance/bg-auto-assistance(opens in a new tab)
- generali.bghttps://www.generali.bg/individuals/products/car-insurance/mtpl(opens in a new tab)
- nbbaz.bghttps://www.nbbaz.bg/?cid=3(opens in a new tab)
Generali Motor third-party liability